Capital
Bismarck, ND · Charter 61637 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$921.5MAssets
$726.0MLoans
$770.2MShares
$120.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets (rank 352 of 1681).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets (rank 1407 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.22%
Rank 391 of 1,683
Net Interest Margin
3.63%
Rank 1,009 of 1,683
Efficiency Ratio
70.19%
Rank 462 of 1,682
Equity / Assets
13.09%
Rank 805 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 391 / 1,683 | | |
| Return on Equity | 9.30% | 2.67% | 5.89% | 8.74% | Beats 79% | 352 / 1,681 | | |
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,009 / 1,683 | | |
| Efficiency Ratio | 70.19% | 68.91% | 78.20% | 86.93% | Beats 73% | 462 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.80% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,407 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 805 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.09% | 10.44% | 12.89% | 16.53% | Beats 52% | 805 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.25% | 52.61% | 69.38% | 83.50% | 93rd pctl | 126 / 1,683 | | |
| Loans / Assets | 78.79% | 44.71% | 59.18% | 70.72% | 90th pctl | 173 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |